tv Nancy Grace HLN October 5, 2009 10:00pm-11:00pm EDT
market for those of us who are buyers and sellers of natural gas. we do not need the volatility we have seen in the past. we expect that there will be legislation and regulation of double add more transparency to the marketplace. over time, it will probably have a dampening effect on the volatility. if you go back to chrises slides -- to kriz's -- chris's slides, one cannot predict when your demand/peak is going to be but you can predict that there will be a peak in the summer. . .
by companies have been reporting reductions to the purchase gas adjustments. as a yolo around the country, i am having the as i go around the country, i am having companies say their -- as i am going around the country, i am having company saved their constituents' money. i cannot give you an exact number. if you take it tongue in cheek and wait and see what happens, you can see with the bills will turn not to be. there is kill lily -- clearly an expectation. there was almost 20% increase. this year it there is a clear expectation of home heating costs being lower for natural gas consumers. it is coming at a good time.
it is a good time for that to happen. we have not made a number. sorry about that. >> [inaudible] >> i was wondering if you could talk about what the provisions and the shape of thing in the senate bill could mean for gas prices. >> it has been the conventional wisdom that in a carbon constrained economy the low carbon hill should be the winner. we do believe natural gas will be the winner in any reasonable carbon constrained legislation, whether that is cap and trade or carbon tax or anything like that.
getting down to waxman, the natural gas industry was asleep at the switch. i think there is some truth to that. the production side was not terribly focused on a natural gas in the legislation. there has been a change on that. we have seen some of that showing up with the kerry/boxer bill. it would recognize natural gas and be more natural gas favorable. my own personal view is that aid you were to step back and say -- if you were to step back into
natural gas for the second largest and the only energy source that has actually brought about greenhouse gas reductions. but since 1970, we are lower in greenhouse gas emissions than we were. we have added about 1/3 more residential customers. it is a real success story in greenhouse gas reductions. knowing that, one would look at legislation and say, you would think he would be looking at the segment that has actually produce results on greenhouse gas emissions. either of these bills is not start up with that division. i think we still have a way to go to say what is the proper role of natural gas. i think we have historically been hurt by the view of supply
and availability. that has been put to rest by the colorado gas reports. the other issue is price volatility. i hope longer-term that will somewhat dampened. with less volatile prices and enormous supply of natural gas, we expect natural gas to be the leader in the nation in the carbon reduction. >> thank you. in climate change legislation, what do you think needs to be done or changed to add their promote natural gas or maybe -- either promote natural gas or maybe put a hold on this?
>> i would say there are two parts. on the segment that the american gas association focuses on residential and commercial customers, you should affect the segment and say they have been reducing greenhouse emissions. probably the best approach is not to put them under a cap and trade system but to continue to implement the policies and programs that have led to actual reductions in those sectors. it is a sector that has led to on an average of something over 1% reduction every year, decade after decade, in greenhouse gas emissions per capita. the other approach would be on
gas powered electric generation. the senate bill looks more like a place holder provision. it would create incentives for electric generators to use natural gas. i expect that area will continue to develop on the legislative front. >> good morning. this probably requires a subjective answer. how close are we peak stored? >> they define peak storage, and being about 1.3 trillion cubic feet for working gas. that is a large number. we do not normally -- the design limits. -- normally reach the design
limit. we have at least four to five weeks of a net injection still left ahead of us. the community has been talking about a net stored by the end of the winter season. -- storage by the end of the winter season. when aga was doing the weekly storage numbers and collecting that statistically, we extrapolated to a full member of somewhere around 3.2 - 3.3 trillion cubic feet. there has been real growth in storage capacity in the country over the last decade. that is not only growth for the financial arbitrage opportunities that are there, but it is real capacity to meet physical needs for customers. >> [inaudible]
>> every facility is engineered. every facility has a specific target. they are actually contacted with the shippers and others that they are putting gas into storage. they are managed around certain physical requirements. when think i would say is that, going back to when we did the storage report, whenever we get to a critical point, stored seem to be more flexible than anyone thought. now we have more capacity. i will note the numbers i noted before. 15%-20% of our total winter supplies coming from winter gas. 30% during a cold winter heating season month. if you are a company in the mead west -- midwest, it could be 100
sermon or gas supply coming from storage -- 100% of your gas supply could be coming from storage. >> looking over some of what you handed out, there is something here about changing the definition of energy use and looking at the appliances. the way i read this is, are you saying that that the way epa looks at the life cycle -- are you saying that you -- that it should be transferred? do you agree with the life cycle of missions that epa is using? are you saying it should be transferred elsewhere? >> yes, over time when you move to a car been constrained
carbon -- carbon constrained cycle, you have to be focused bu. everyone who was involved in greenhouse gas says it is a life cycle measurement. it is a weld to wheels lab. we believe in two things. and they are complementary. one is that you must of course look at the total emissions. natural gas tends to shine in that regard. the other is you need to, if you are talking about energy efficiency, a measure energy efficiency. most energy is lost. a 70% of energy before it is used is a loss. it has dissipated. it is wasted.
the car you drive has a gasoline engine that is 21% efficient. almost 80% of the energy is lost in heat or through the exhaust pipe. what you want to look at when you are looking at greenhouse gas emissions or efficiency is how you keep from losing that energy. natural gas is incredibly well positioned on energy efficiency. the gas comes out of the ground under natural pressure. it is thing goes in the pipes. you just need to add some compressor fuel to move it throughout the country. you have varied little energy loss. it is then when it is transformed that you get your energy loss. their units running close to 60%, home furnaces are up there.
you have an incredibly efficient use of energy. doe when they measure how efficient appliances are looked is that the appliance. an electric water heaters are going to look very efficient, because all the energy lost tick place before the -- lost took place before it got to the home. gas macy energy transformation at a home. it is addition until they get to the home. then you get your energy loss. widely the fed the whole cycle to figure the efficiency -- why do not we look at the whole cycle to figure the efficiency? it will produce twice the greenhouse gas emissions if not more than a typical gas water heater. it is going to be highly inefficient in the amount of energy that is used to power that water heater. if you did get the d o e ratings come in to be rated as more
efficient. that is not make a lot of sense. we are seeking a legislative fix at this to look at the whole picture and all the energy lost. let measure that. let's not ignore the biggest losses and focus on the smallest area. >> i have a question for you. he said at one point that capacity was lower than it had been and that there may be higher prices in the winter. the news said -- then you said there is a lot of supply in your individual discussions with your members. there is a strong indication that prices will be lower. what is the expectation, that they will be lower or there will
be a lower capacity? >> in the expectation is for winter heating season bills to be lower. there have been lower unit costs for natural gas going into the portfolio that the companies have created to meet the heating season needs. somewhere around 89 term of our companies use -- 89% of our companies use financial tools to head the winter supply. if you went to our typical gas supply director at one of our companies, he would tell you that x % of his gas is already purchased. he already knows what that cost is going to be. building that powerful liddy -- that portfolio was less expensive than it had been in the past. that is where the expectation
comes from, knowing what has been put into storage and what is lined up on a contract basis for a supplies. companies generally have approached their public utility commissions. there is an understanding of what the gas costs are going to be. there is a record. in 2009, purchased gas adjustments has been downward. in an average heating season, we would expect, compared to last year, that we would see some relief to consumers in terms of the winter heating season bills. we have not quantified it. it is different for every company.
every company bills of their portfolio in a little differently and has different rules. -- builds in their portfolio a little differently and has different rules. it is unique to each company. sometimes estimates are accurate. sometimes they are not. >> and my understanding right that you are saying there are wreckage -- record levels of supplies? with that be a tax on storage capacity -- would that be a tax on storage capacity? >> it is usually seen in price. falling prices were in 2009. in august and september, things have firmed up a little bit.
what did we see today? if you go on bloomberg emmett get the prices today, you see a cash price -- today and to get the prices, if you see a cash price -- a few go on a bloomberg -- if you you go on bloomberg online and get the prices today, you see the cash price. >> are you saying it will be overtaxed? >> we have the supply set up that we have on a daily basis. it is adjusted on the margin with gas from canada bet. we are at a point where you are beginning to really push hard to get gas into storage.
many companies are getting to a point where they are full. the market views that as an oversupply in the short term. i think that is reflected in the price that we are seeing today in the cash market. we only have to go back a few years following the hurricane season in 2005. there is not much activity. in 2006, we had recovered from the hurricane's quicker than we thought we would -- hurricanes quicker than we thought they would. today the price influence has been more on the large volume customer side. to the extent we begin to see a little more gas consumed by industrial consumers, that could have an influence on seeing prices firm up a little bit.
>> is it a record? >> the record we are talking about is the working gas inventory of storage. >> just to follow up. i thought there was supposed to be a record on november 1? >> yes, i believe that is what he was asking. >> on your slide presentation, you put the average price the shares at $4.78. can you flush out where you expect it to peak? >> that price specifically came from the energy information administration in their short- term outlook in september. i put the price up here as a comparison to what the average at that time had been for 2008.
i will find that slide. there was the expectation that some of these factors that we have been talking about, a slowdown in the increase in the gas supply curve, the potential for increased consumption from the large volume sector, the you would see some elevation in the natural gas prices on average for 2010. in terms of how it distributes itself, i do not know. i cannot tell you. >> are there any other questions? no? thank you all for coming. have a great day. >> thank you. [captioning performed by national captioning institute] [captions copyright national cable satellite corp. 2009]
>> in a few moments, the feminist majority foundation hosted a discussion on the obama administration and women's issues, party yearly health care. later, defense secretary robert gates on the war in afghanistan. more of our special series on the u.s. supreme court. on the "washington journal" tomorrow no, we will focus on the war in afghanistan with lawrence korb. gordon goldstein it discusses the vietnam war -- goldstein
discusses the vietnam war. we will be joined by the author on immigrants. this is like every day at 7:00 a.m. eastern. -- live every day at 7:00 a.m. eastern. >> a couple of light and vince to tell you about -- live events to tell you about. topics include the weather forecast, world oil supply, and demand for heating oil and natural gas. that is live at a 30 a.m. eastern on c-span -- 830 a m eastern -- that is live at 8:30 a.m. eastern on c-span3. >> we tradition where the morning coats. when we are in session, we wear
it. it is very traditional. in -- years ago, all attorneys wore this. now the attorneys where traditional formal attire. >> later this week, what interviews with the retired justices. it is supreme court week on c- span. as a complement to this week's production, c-span offers teachers free resources on our judicial system. >> the 2010 student cam contest is here. the thousand dollars in prizes for high school and college students. does create a fife to a man and video retail a -- just create a
five to 10 minute video. you can go online for contest rules and information. >> now a discussion of women's issues and the obama administration, hosted by the feminist majority organization. this is an hour. >> everybody would come in. c-span is filming this. we would like to get going. if everybody would please come in.
are we all set? i hope everybody enjoyed the first day of this summit. [cheers] i think the panels had just been extraordinary sum had many top -- and extraordinary. some have been a top policy and buyers. -- i think the panels have just been extraordinary. some have had the top policy advisers. we have the support of the national association of social workers. i do not want to mention all the groups. it has been a very purchase of a tory and vince. -- participatory events.
the white house has established to major outreach efforts to women of our nation. the office of public engagement has been changed. it used to be called the public liaison. now it is public engagement. it is directed by tina, who has been one of the most prominent corporate lawyers in illinois. she was literally in named "chicago lawyer person of the year." in addition to that, she also has had a very expensive career
in public service. -- extensive career in public service. she was on the board of trustees for the university chicago medical center. she participated on the chicago bar association. she was in the l.a. dept. -- in the illinois department of public ads. it goes on and on. she exemplifies a person who is active professionally but also acted in her community, making that community a better place for people, women, and children, and the men, and all the various enterprises that make a civic society possible. the next speaker has also been extremely active in a special
issue that affects every person in our country. senator biden -- sorry, i still have him as senator. vice president biden announced her appointment as a white house adviser on violence against women. she has been an expert on the issue of violence against women, not just domestic violence but sexual assault. she has served in this capacity on a state, local, and a national level. she is the director -- i was have to live down. -- i always have to look down. i get to these mixed up. if there actually different groups. -- i get the two of these mixed
up. they are two different groups. she served in florida and new mexico. in new mexico, she was the executive director of the new mexico coalition against domestic violence. she has run a shelter. she has been a leader of a statewide coalition. she has been at the national level, which is so important. she now is the name -- has been named as an adviser against violence on women. this is a central focus of the it ministration -- administration. this is an issue not just in the united states but international. they are going to join the
international community to reduce violence against women so the senate committee will prosper. everyone will speak 10 minutes about their specialty. then we are throwing it open to a town hall so that you can ask them specifics on their job. i forgot on tina, in her position as the director on public engagement, she also is the executive director on the white house council on women and girls. she has a double duty, but she has been very vigilant. i have never seen so many events for women and girls at i have at this level. they have been here a long time. tina, why do not you leave off?
[applause] >> thank you. good morning. >> good morning. >> it is one of the things that is a passion of mine when i accepted the position. mine. when i accepted the position from the senior advisor to the president, when we talk about what i would do back in chicago, is a snowy, december day, one of the things i wanted to be sure to do -- the public n.j. -- the public engagement of this is the outreach office. everyone who is not elected, not a governor or mayor, the 99% of the rest of us comes through our office. we touched all of the various groups and i wanted to make sure
that women's outreach was something that i kept because it has been a long passion of mine for my entire adult life. a focus on issues of concern to women and girls. i am doubly delighted when we created the white house counsel which includes all of the cabinet level agency heads and of the heads of the major white house offices. i'm the executive director of that council. we wanted to send a message to the entire federal government, as the president said, the issues concerning women and rose are not just the responsibility of one office or one part of the federal government or even one advisor within the white house, lofty though that may or may not be, it is the responsibility of every part of federal government. the matter with the agency is whether it is agriculture, interior, the department of defense, hhs, every agency must
think about how their policies, programs, legislation affects women and girls. our goal is to really make that part of everyday workings of federal government. we are delighted that that is moving forward. you can go to our page on whitehouse.gov to see all the secretaries and treat each one of them has designated senior staff people within the agency who are their designees on the council who work with myself and a two of our staff members who worked on the council. we're going to be doing a several -- several interagency efforts. we insure that women and girls are part of everything that we're doing. one of the key issues that we talk about is health care because health reform and health care in general is obviously a
major concern for women and girls. you'll see some of the material that we put together. i'm going to give you a resource for this. i encourage you to go to healthreform.gov that is kept up to the minute. it has several reports and several fact sheets specific to women and why reform is important to amend. i think i do not have to tell all of you what is broken with the system. we women who are uninsured because of existing conditions. we have heard stories. there was a the that the first later that week sponsored to win five weeks ago. -- with the first lady.
we had the coast but we have the first the focus on what health care was important to women. we had three women telling their stories. won't -- one woman was a double breast and lung cancer survivor who had virtually bankrupt herself and her family in order to get the treatment she needed. she's now survivor. obviously she is still at risk for of recurrence. provided to screenings are very important, but right now she is face to that because of her medical history, in order for her to get medical insurance will cost tens of thousands of dollars. she must choose between a roof over her head or health care. she is a woman who every day runs the risk not -- runs the risk of not being able to have the care. she finds herself in the
position where she is uninsurable in our current system. we heard from another woman of whose husband passed away. she was confronted with hundreds of thousands of dollars of cost. she was an executive in the health-care industry. she was able to buy negotiated down to some level, but during the course of that she had a teenage son who had injuries dues athletics. she was on antidepressants to do with the death of her husband. she found herself uninsurable because of her pre-existing conditions. she is now using the survivor benefit to these have insurance for her son but that will expire next year when he turned 16. she does not how she's going to get health insurance for him. these are the stories that really are unacceptable in our country today. those stores are repeated over and over and over again. women in particular suffered
because of our health needs because of pre-existing conditions, dropping people who get sick, and there is something called gender rating which will be outlawed. holding all other things equal, a 23-year-old as a 150% higher premium than a healthy 23-year- old man. so that is why for all of those reasons we need health reform, insurance reform that is on the table right now. it does not solve everything. we know that. it does not solve all of the health-care issues that are out there. it was never intended to solve health care issues, but it was intended to really address this pressing issue of the uninsured
and trying to get insurance for the uninsured and trying to than the cost curve in some fashion that will make the health care system more affordable not just for individuals but as the president has said, more affordable across the board for our country. the health-care costs we have right now at one sixth of the economy is on -- unsustainable. in order to write the shift, we need to get a control on health care costs. that is what we're trying to do with the proposals. the good news is that we're closer with ever been in 40 years. all five committees have reported bills out in the process will now begin of sorting through the various proposals across those five bills. congress will be doing work but the next couple of weeks are crucial.
i think you for your interest in that. let me turn briefly before i sat down, health reform is not the only issue that is out there. this is a power, money, and politics session. i want to be the next issue coming up on the horizon that is key for women. that is regulatory reform. they're starting to move their way through a central feature of the president's proposal which is the creation of a new consumer protection financing agency that will take all the little bits of consumer protection that exists between the different regulators right now, paloma together to enhance those cars with than a single federal agency that will be devoted to consumer protection across the board. women actually are more likely to get into some kind of mortgage right now. women are bearing the brunt of what is going on in mortgage foreclosures and the kind of misinformation and misleading
data with the marketing that was targeted towards people as they had themselves into these subprime mortgages. hopefully that is what a consumer protection financing agency will help correct. make sure that the in formation is understandable and is not buried in the teeny tiny fine print. if you have ever try to flip over your credit card bill to read the terms, all of that. the surprisingly we have an industry was lined up against us on this. this will be very key. another key important issue for women and their families across the country. thank you for coming to washington and the conference. add the forward to your questions. -- i look forward to your questions. [applause] >> good morning. you all are beautiful. i am delighted to join with tina
with saying how honored we are to be here today and i want to a knowledge incredible work of the white house council on women and girls. they have a very full plate in a very broadvision. it is an honor for me to work closely with tina and her group every single day. i also want to say a word about ellie before i began. many of you have heard vice president biden credit her and her leadership rated he really means that. -- leadership. he really means that. a round of applause. [applause] there are so many of you that i should knowledge but particularly martha burt who is a colleague of mine in the year i spent in new mexico. you're here in washington d.c. during a very important time for it october is domestic violence
awareness month. last month will mark the passage of the 15th anniversary of the violence against women act. i am personally very thrilled to be working closely every day with our champion, vice president biden. i was a shelter president when i read the it was a report that deepened my own understanding about how violence affects women, our families, and of communities. senator biden -- and our communities. senator biden never let up. it began showing up on the front page of newspapers.
on september 13, 1994, president clinton signed the violence against women act into law. i do not think even that those working in an -- even those of us working in the field had an idea of how it would transform our community. a shsheriff said there would was no womendomestic violence in his county, and he wound up being one of the biggest leaders. i never could have imagined that. all of this happened and more. one of the most important thing is it did was bring people to gather.
in order to get funding, you had to sit down and work together. a creative relationships between the judges and victims' advocates. it created a coordinated response to ending the violence. it brought about systemic change. they would make sure the victims' it did not bear the burden of financially -- bear the burden financially of filing the paperwork. they changed the rules of having to sit down in mediation and couples counseling. as we learn more about the experiences of women, the act was strengthened. in 2000 it dating violence was
added into the act. 39 states followed suit and now we see protection for victims of dating violence all across the country. in 2005, it was strengthened even more as we learn about the importance of safe housing beyond emergency shelters and funding was provided for transitional housing and protections added in four victims of section 8 and public housing. the bill in 2005 and also raised " we've raised awareness -- raised awareness and learning how to prevent it. as we learn more over the years, the violence against women act was strengthened in response. today, after all of this progress, our shelters are full, are hot lines are ringing, and for every victim that has come forward we know that there are
thousands more who still need help and are suffering alone in silence. this is why the white house created the position as a special advisor for violence against women. kudos to president obama and vice president biden to this commitment in truly addressing violence against women in a meaningful way. i go across federal agencies to make sure we're using all the resources and the capacity of the federal government in addressing this problem. in the time that i have been here, i have met with the department of justice, the department of violence against women, health and human services, hud, department of labor, navy's sexual assault prevention summit. i can assure you that within the federal agencies and within the white house, from the top leadership of this nation there is a commitment to end violence against women. there are people who are ready
to redouble our efforts, reenergize our communities, and truly were together to and the silence. we are working now on long-term goals for the administration. the day that i was appointed to my position the vice president held a round table with the national leaders for the fights and domestic violence. here are some of the issues we heard about. we heard about the effects of domestic violence on children and we heard about what teams are experiencing in dating violence. we heard about the intersection that teens face more than anyone else between abuse and technology. we heard about the effects of that domestic violence and sexual assaults on women and girls but also on what is and young men. -- on boys and young men of. housing, health care, economic independence, but most of all we heard about how important it
was that we talk about not just intervening but preventing violence against women to. we will be working on all of these issues and more as the administration moves forward. i want to invite all of you to be a part of this process. i will end my remarks this morning with the remarks of the vice president. we gathered to celebrate its 15th anniversary of the voaw act and he said this, " let us harold a new beginning. let us recommit ourselves to a promise we made it to our daughters and our granddaughters 15 years ago today, not just to reduce domestic violence and sexual sought -- sexual assault, but to end it." i am looking forward to your questions. [applause] >> we have microphones at the back and we would love for you
to go to the microphones and maybe while you are doing that -- >> i wanted to expand the skin of the envelope a little bit with regard to violence against women by introducing a very unpopular and particularly unattractive group of women who are "poster girls" violence and those are women who are drug addicts. particularly those who are trying to recover from their addictions and who have lost their children, regularly are
saturated -- and sex traded, beaded by people they know when people they do not know, -- beaten by people. increasingly a number of women in the prison where the fasting gross -- fastest-growing single group. he mentioned shelters, and that is the first level response, but these women cannot stay in shelters and they cannot get their children back in shelters. they're dependent upon a very thin network of nonprofit organizations to provide transitional housing, training because they do not know how to do any of thing, they have been disadvantaged by the poster children, lindsay lohan and those stars. these women become homeless. what we need to is both the return of some of the programs
that helped women like access to recovery and other funds to help them keep from being homeless while they get treated for drug addiction. i do not know. it is a very complicated problem, but we have to try to intervene somehow. i would like to know what you think some of the tools are that we could use. >> i have seen shelters adapting over the years more and more. there is concern in this administration for the women on the margins, as you described. our system has worked pretty well for women whose primary problem is the violence they are experiencing, but this broader group of women have multiple needs. one of the programs in the office against -- the office on violence against women in the department of justice is the transitional housing. they provide a long-term assistance. some of those also bring subject of these services on site which is a big part of the answer to bring services together.
i appreciate your concern and wanted you to know that we're thinking about the very group of women that you described. >> i am the money editor for "ms." magazing. i hear from women because of that particular job that i do. i want to ask tina tchen, because we have so many women in the country to have a job but they cannot get insurance because they are part-time and the employers are keeping them just under that radar with they do not qualify for insurance because they do not work enough hours but they needed very badly. can you talk about how the changes in health care will help those women? >> thank you, martha. when the big changes will be to create a market where individuals, and also small businesses that just right now cannot find affordable health care anywhere, will be able to
buy into it. it is called the exchange. the exchange is a method created under all the bills to create a regulated market where both private insurers and potentially a public option will exist to compete and to provide low-cost, affordable, and comprehensive health insurance for those who cannot afford to buy it right now. that is the mainland. there are a variety of ways in which employers to do not provide insurance, depending on the sides of the company, mirror may not have to pay a penalty. but some of those details are going to be worked out. the wood to create a place where affordable health care is available. -- they want to create a place. >> i am the director of the
women's equity council of the united nations association of san diego. back in 1995, president clinton said at the interagency council on women -- set up the council. they're going to look out looklook at the platform that came out of beijing, one of which was violence against women, another was women and health. i wondered if you are going to be looking at the platform for action to see if we can go back to incorporating in implementing all of the actions of that platform and will you be participating at the united nations when we look at beijing +15. >> we're working right now with the state department with ambassadors on beijing + 15.
there crating a vehicle to create all of the information for it -- they are creating a vehicle. it is to bring back across the entire federal government an emphasis on women across the board. not only just within beijing but also across -- taking his principles and expanding them. we will be actively working on that. it is a top issue. one of the things in the way we credit the council is to have them working very closely with us in the white house to work with nes, nce. we did not college other about what we were wearing. we did this all on our own. [laughter] >> around 15 years ago, we in
the pennsylvania coalition against domestic violence blew the whistle on the insurance discrimination against a battered women. we're glad to see it is showing up in the health-care debate related to the eight states that no longer pretend to prohibit that but it is much broader. life insurance, disability insurance, property, and casualty insurance. this project has provided technical assistance to the 42 states that have produced a variety of laws. vowa 2000 required a report to congress on the state of insurance discrimination against battered women. we've prepared that report. congress have never seen -- has never seen the report. i think it is important for your office to know. it probably needs to be updated because there have been some changes. there's also a federal building, h.r. 739, which is part of the
security and financial empowerment act. a title 7, victims of the insurance abuse act which was introduced in january 2009. one of the late senator's really took this issue on. took this issue on. what people really do not fully they decided that being battered was similar to parachuting, being a gauge in dangerous lifestyles freda -- being engaged in a dangers lifestyles . much of it has changed. secretary sibelius